Will applying through you worsen my credit score further?

No. We start with a "soft search" or a simple review of your report, which has zero impact on your score.

Is the interest rate much higher?

Specialist rates can be higher than the high street, but we focus on the bigger picture and "recovery" deals—getting you into a property now so you can remortgage to a lower rate once your credit improves.

Can I get a mortgage if I have used payday loans in the past?

Yes, but timing is key. Most high-street banks view a payday loan—even a settled one—as a red flag for "financial distress" and may auto-decline if one appears on your file from the last 12-24 months. We work with specialist lenders who are more pragmatic; if the loans are settled and your recent conduct is strong, we can often secure an approval where others can’t.

Bad Credit | Ezra Finance

Specialist Mortgages for Complex Credit Histories.

Life happens. A missed payment, a CCJ, or a low credit score shouldn't be the end of your property dreams. We work with specialist lenders who look at where you are going, not just where you’ve been.

Moving Forward, Regardless of Your Past.

The high street loves a 'perfect' applicant. At Ezra Finance, we prefer a human one. Whether it was a life event, a business hiccup, or just a bit of bad luck, we specialise in 'packaging' your story so lenders see the person, not just the credit file.

The "Challenges"

Your Credit History is a Chapter, Not the Whole Book.

CCJs & Defaults

We work with lenders who accept, even if they've occurred in the last 12-24 months

Debt Management

Options for those currently in or recently finished with a debt management plan.

Missed Payments

Solutions for those who have struggled with credit cards, loans or bills.

Low Credit Scores

For those who simple haven't "ticked the boxes" for the big banks.

The Ezra Finance Strategy.

Full File Review: We look at your credit report with you to understand the "why."

Specialist Matching: We skip the "No" machines and go straight to manual underwriters.

Future-Proofing: We don't just get you a loan; we help you find a deal that allows you to rebuild your credit for the future.

Frequently asked questions

Credit History FAQs

Ready to Apply?

Get in touch and one of our advisors can guide you through the process